LAS VEGAS — While the first day of the American Credit Union Mortgage Association’s 16th annual conference featured optimism about credit union housing finance amid an uncertain economy, the second day was overshadowed by concerns about regulatory changes and secondary-market uncertainty.

LAS VEGAS — Credit union executives attending the annual meeting of the American Credit Union Mortgage Association received a mixture of optimism from credit union CEOs about the future of credit union housing finance and caution from a leading economist about the overall economy and the housing market.